Health insurance deductible calculator 2027: which franchise pays off?
With the highest deductible (CHF 2,500) adults pay a lower premium but carry more of their medical costs. Across the premium regions it pays off in 2027 up to health costs of about CHF 2’010 a year (median; standard model, cheapest insurer per deductible); if you expect higher costs, the CHF 300 deductible is cheaper. Cost sharing is the deductible plus a 10 % co-payment, at most CHF 700 a year (children CHF 350).
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Not included: the hospital contribution (CHF 15 a day) and the higher 40 % co-payment on certain medicines. Children and young adults in education pay no hospital contribution. A lower deductible from 1 January must reach your insurer by the end of November, a higher one by 31 December.
From what costs does the CHF 300 deductible pay off? (2027, adults)
Standard model with accident cover, cheapest insurer per deductible. «Pays off up to» = the highest yearly health costs at which the CHF 2,500 deductible still costs less in total than CHF 300. In almost every region the premium saving is CHF 1,540 a year: the law allows no bigger discount (at most 70 % of the extra risk of CHF 2,200, KVV Art. 95).
| Premium region | Premium at deductible 300 | Premium at deductible 2,500 | Premium saving per year | Deductible 2,500 pays off up to |
|---|---|---|---|---|
| Aargau | 548.80 | 420.50 | 1’540 | 2’010 |
| Appenzell Outer Rhodes | 501.00 | 372.70 | 1’540 | 2’010 |
| Appenzell Inner Rhodes | 436.00 | 307.70 | 1’540 | 2’010 |
| Basel-Landschaft, region 1 | 650.00 | 521.70 | 1’540 | 2’010 |
| Basel-Landschaft, region 2 | 606.00 | 477.70 | 1’540 | 2’010 |
| Basel-Stadt | 690.40 | 562.10 | 1’540 | 2’010 |
| Bern, region 1 | 653.70 | 525.40 | 1’540 | 2’010 |
| Bern, region 2 | 590.00 | 461.70 | 1’540 | 2’010 |
| Bern, region 3 | 541.20 | 412.90 | 1’540 | 2’010 |
| Fribourg, region 1 | 593.30 | 465.00 | 1’540 | 2’010 |
| Fribourg, region 2 | 551.00 | 422.70 | 1’540 | 2’010 |
| Geneva | 711.20 | 582.90 | 1’540 | 2’010 |
| Glarus | 523.80 | 395.50 | 1’540 | 2’010 |
| Grisons, region 1 | 525.20 | 398.50 | 1’520 | 1’980 |
| Grisons, region 2 | 489.50 | 367.00 | 1’470 | 1’930 |
| Grisons, region 3 | 450.80 | 325.45 | 1’504 | 1’970 |
| Jura | 655.80 | 527.50 | 1’540 | 2’010 |
| Lucerne, region 1 | 527.65 | 399.30 | 1’540 | 2’010 |
| Lucerne, region 2 | 489.65 | 361.30 | 1’540 | 2’010 |
| Lucerne, region 3 | 468.65 | 340.30 | 1’540 | 2’010 |
| Neuchâtel | 675.60 | 547.30 | 1’540 | 2’010 |
| Nidwalden | 461.50 | 333.20 | 1’540 | 2’010 |
| Obwalden | 474.00 | 345.70 | 1’540 | 2’010 |
| Schaffhausen, region 1 | 568.30 | 440.00 | 1’540 | 2’010 |
| Schaffhausen, region 2 | 514.50 | 386.20 | 1’540 | 2’010 |
| Schwyz | 454.70 | 326.40 | 1’540 | 2’010 |
| Solothurn | 582.40 | 454.10 | 1’540 | 2’010 |
| St. Gallen, region 1 | 560.50 | 432.20 | 1’540 | 2’010 |
| St. Gallen, region 2 | 509.90 | 381.60 | 1’540 | 2’010 |
| St. Gallen, region 3 | 488.00 | 359.70 | 1’540 | 2’010 |
| Ticino, region 1 | 713.00 | 584.70 | 1’540 | 2’010 |
| Ticino, region 2 | 658.00 | 529.70 | 1’540 | 2’010 |
| Thurgau | 524.60 | 396.30 | 1’540 | 2’010 |
| Uri | 463.90 | 335.60 | 1’540 | 2’010 |
| Vaud, region 1 | 661.40 | 533.10 | 1’540 | 2’010 |
| Vaud, region 2 | 614.40 | 486.10 | 1’540 | 2’010 |
| Valais, region 1 | 574.20 | 445.90 | 1’540 | 2’010 |
| Valais, region 2 | 494.45 | 367.70 | 1’521 | 1’990 |
| Zug | 405.30 | 277.00 | 1’540 | 2’010 |
| Zurich, region 1 | 633.00 | 504.70 | 1’540 | 2’010 |
| Zurich, region 2 | 557.10 | 428.80 | 1’540 | 2’010 |
| Zurich, region 3 | 508.10 | 379.80 | 1’540 | 2’010 |
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Frequently asked questions
Which deductible is best?
It depends on your expected health costs. Across the premium regions (median), the CHF 2,500 deductible is cheaper for adults in 2027 up to costs of about CHF 2’010 a year; above that, the CHF 300 deductible. The calculator shows it for your commune.
What is the most I pay myself?
At most the deductible plus CHF 700 co-payment a year; with the CHF 300 deductible that is CHF 1,000, with CHF 2,500 it is CHF 3,200. Children pay at most the deductible plus CHF 350.
Until when can I change my deductible?
A lower deductible from 1 January must reach your insurer in writing by the end of November, a higher one by 31 December.
Which deductibles are there?
Adults: CHF 300 (ordinary), 500, 1,000, 1,500, 2,000 or 2,500. Children: CHF 0 (ordinary), 100, 200, 300, 400, 500 or 600.
Sources: BAG: Kostenbeteiligung · BAG / FOPH: Prämien (opendata.swiss) · priminfo.admin.ch · SLI-2026-10-05.13
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